# FONDEA | Personal vs Zenfi

The clearest difference is in-app purchases: FONDEA | Personal at none against Zenfi's 8. Zenfi's advantage is rating (4.9 vs 4.7). On price, review sentiment, ratings volume and update cadence there is nothing between them.

Both are free to download. Zenfi sells 8 in-app purchases, starting at $1.99 per month. FONDEA | Personal asks for nothing beyond the download.

Zenfi holds the better App Store score, 4.9 against 4.7. Both are backed by a comparable volume of ratings — 411 and 655 respectively. Written reviews point the same way: 71% of FONDEA | Personal's written reviews are positive against 75% of Zenfi's.

FONDEA | Personal ships an update every 2 weeks, Zenfi fortnightly. The most recent releases landed on November 6, 2026 and November 7, 2026 respectively.

## The numbers

| Metric | FONDEA | Personal | Zenfi |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.7 (411 ratings)](https://appshunter.io/ios/app/fondea-personal/id1438141144/reviews) | **[4.9 (655 ratings)](https://appshunter.io/ios/app/zenfi/id1525003695/reviews)** |
| Number of ratings | 411 | **655** |
| Positive reviews | 70.6% of reviews | **75.0% of reviews** |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | **Every 2 weeks** | Fortnightly |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Size | 188 MB | 89 MB |
| Requires iOS | 17.6 | **16.4** |
| Devices | iPhone | iPhone |
| Age rating | 4+ | 12+ |
| Developer | [Fondeadora 2.0 SAPI de CV](https://appshunter.io/developer/1438141143) | [Zenfi Tecnologias, S.A.P.I. de C.V.](https://appshunter.io/developer/1578523502) |

## What reviewers say

### FONDEA | Personal

[App page](https://appshunter.io/ios/app/fondea-personal/id1438141144)

Open a digital account in minutes with just your ID. Enjoy a virtual card for online purchases and subscriptions, with the option to request a physical card. Send and receive money instantly, 24/7, with no fees. Organize savings for special goals and earn annual returns on your deposited funds.

**Highlights:** Digital account opening, Virtual and physical cards, Instant money transfers, Personalized savings goals, Earned interest on savings, Apple Pay integration

**Features:** macOS Compatibility, Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Fast and quick transfers
- 💳 Excellent for international purchases and USD transactions
- 👍 User-friendly and beautiful app design
- ⚡ Quick and responsive customer support
- 🌍 Works well for users abroad (Canada, USA, etc.)

**What reviewers complain about**

- 🐢 App is slow and takes too long to load
- 🔐 Frequent unexpected logouts
- 💳 High commission fees for physical card requests
- ⚠️ Account balance capped at 20,000 pesos
- 🚫 Limited deposit methods (SPEI only)

**Reported bugs**

- App logs out unexpectedly and won't log back in
- Blank/white screens when accessing account
- Transfers show as completed but don't deposit
- Slow transaction loading on iOS 16
- ID recognition software fails to scan documents

**Requested features**

- Virtual cards (create/edit anytime)
- Cash deposits at convenience stores (OXXO, Farmacia Guadalajara)
- Apple Pay integration
- Increased monthly spending limits
- Ability to pay bills and make recharges


### Zenfi

[App page](https://appshunter.io/ios/app/zenfi/id1525003695)

Understand your credit report and score for free. Access your SAT fiscal information, monitor transactions, and receive personalized tips to improve your financial health. Take control of your money with this comprehensive financial tool.

**Highlights:** Free credit report consultation, Understand and improve credit score, Access SAT fiscal information, Monitor income and expenses, Personalized financial tips, Identity theft alerts

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases (8)**

| Purchase | Price | Billing |
| --- | --- | --- |
| SAT Plus | $1.99 | per month |
| SAT Plus | $3.99 | per month |
| Buró Plus | $4.99 | per month |
| SAT Plus | $19.99 | per year |
| SAT Plus | $39.99 | per year |
| Buró Plus | $49.99 | per year |
| Reporte de Buró | $1.99 | one-time |
| Reporte de Buró | $2.99 | one-time |


## Frequently asked questions

### Is FONDEA | Personal free?

FONDEA | Personal is free to download, with no in-app purchases.

### Is Zenfi free?

Zenfi is free to download, with in-app purchases available.

### Which has better reviews, FONDEA | Personal or Zenfi?

Zenfi is rated higher. FONDEA | Personal averages 4.7 out of 5 from 411 ratings, while Zenfi averages 4.9 from 655 ratings.

### Do FONDEA | Personal or Zenfi have ads?

Neither FONDEA | Personal nor Zenfi shows ads.

### Which is updated more often, FONDEA | Personal or Zenfi?

FONDEA | Personal ships an update every 2 weeks, and Zenfi fortnightly. Most recently, FONDEA | Personal was updated on November 6, 2026 and Zenfi on November 7, 2026.

---

*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*